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1、01Ant InternationalSustainability Report 2024Content1 1121314Our Dual-Value Creation StrategyWhere We Are Making Meaningful ImpactHow We Power Our Impact Strategy6TsGovernance Structure of Our Sustainability StrategyChairmans MessageLetter from CEO and PresidentLetter from CSO020304MESSAGES FROM LEA

2、DERSHIP 09 1 0Mission and VisionAnt Internationals Innovation JourneyWHO WE AREOUR SUSTAINABILITY IMPACTPromote Global Connectivity Promote Local Economies Through Cross-Border Travel Bring Equal Access and Growth Opportunities by Trade for SMEs151619Foster Inclusive GrowthFoster Transformation for

3、Everyone to Thrive Harness Technology to Drive Sustainable Digital Economy 2 12224Empower Sustainable Digital Transformation Nurture Digital Talent for Tomorrow Adopt Best Practices to Achieve Low-Carbon Operations Drive Environmental Sustainability Through Partnerships 27283 1334546474849505253Abou

4、t This Report Glossary and DefinitionStakeholder Communication Materiality Assessment Honours and AwardsGRI Content Index United Nations Sustainable Development Goals(UN SDGs)IndexIndependent Assurance StatementAPPENDIXCollaborate to Innovate Responsibly Uphold Robust Compliance Functions for Sound

5、Business PracticesStrengthen Digital Trust Through Responsible Innovation Cultivate an Inclusive Workplace for a Diverse Team 36374043KEY HIGHLIGHTS IN 202405Key Highlights in 202402Ant InternationalSustainability Report 2024Chairmans Message MESSAGES FROM LEADERSHIP Eric JingChairman Ant Internatio

6、nalLooking at our world in 2025,these are,indeed,times of flux.But uncertainties are not necessarily barriers,they can also catalyse more determined and collaborative action for deeper impact.Ant International carries forward Ant Groups enduring commitment to responsible growth.We believe business v

7、alues and sustainability values are deeply interconnected.Inclusive growth through digital innovation is not only about expanding access to technology,but also about creating meaningful,lasting economic,social and environmental impact that drives shared and sustained progress for all.Supporting smal

8、l businesses,we believe,is a critical link in this endeavour.As pillars of global and local economies,small businesses face greater challenges amidst the rapid shifts in technology and global policy terrains.The call for action on the digital tech community has never been so urgent:We need to take a

9、ction to ensure innovation works for the many,not the few,so we can build a truly inclusive and sustainable global economy for the next generation.In this inaugural Sustainability Report,the Ant International management team,led by Peng,Doug and Leiming,gives our answers of detailed actions and impa

10、cts.We will continue to build bridges across markets and among people.We will expand trusted AI and digital solutions for SMEs and underserved communities.We will strengthen partnerships across public and private sectors to help build a more resilient and collaborative digital ecosystem for inclusiv

11、e growth.It all comes down to Ant Internationals simple mission:to make it easy to do business anywhere,bringing small and beautiful changes to the world.In this pursuit,we are incredibly lucky to have found many strong partners and friends.You inspire and urge us on,across the tens of millions of s

12、mall stores,in our joint labs,and on the countless coaching sessions for young talents of 10 x1000.Thank you.We cannot wait to carry on our journey together,to the future we shape together.Navigating a Changing World with Purpose and Shared Prosperity Ant InternationalSustainability Report 202403Ant

13、 InternationalSustainability Report 2024MESSAGES FROM LEADERSHIPA New Journey of Innovation and Collaboration for Inclusive GrowthPeng Yang CEOAnt InternationalDouglas FeaginPresident Ant InternationalIt is with an immense sense of responsibility and deep passion that we present you the very first A

14、nt Internationals annual Sustainability Report.This report marks a significant milestone for us,not just as a standalone entity following the 2024 reorganisation of Ant Group,but as a testament to our unwavering commitment to building a more inclusive and sustainable global digital economy.Although

15、Ant International embarked on a new journey,we proudly inherit the spirit of inclusive finance that has been the bedrock of Ant Groups journey.For over two decades,Ant Group have been dedicated to extending the reach of digital financial services,believing firmly that technology can unlock opportuni

16、ties for everyone,everywhere.At Ant International,our mission is to make it easy to do business anywhere and bring small and beautiful changes to the world.Our visionto be the most innovative and trusted digital partner to bring inclusive growth to allguides every decision we make.Ever since 2012,ou

17、r global expansion has been a reflection of our mission and vision.Through our global operations,the Ant International team is building real-world impact through innovation,inclusion and trust.Our 13-year journey has been intrinsically linked to our sustainability strategy,which we articulate throug

18、h our 6Ts:Travel,Trade,Thrive,Tech,Talent and Trust.Letter from CEO and PresidentTravel:Enabling Global Connections Our Alipay+global wallet gateway stands as a powerful example of how we facilitate global connectivity.By linking 1.7 billion mobile payment users with over 100 million merchants acros

19、s more than 70 markets,and through inclusive payment and digital connectivity,we help merchants to embrace international travellers and foster increased international exchange and prosperity,making global travel and commerce smoother and more accessible.Trade:Empowering Global Commerce Through Antom

20、s unified merchant payment and WorldFirsts unified global account digital solutions,we empower millions of merchants to expand their businesses worldwide.These solutions provide unparalleled market coverage and financial convenience,simplifying complex cross-border transactions and enabling business

21、es of all sizes to realise their full potential on a global scale.Thrive:Serving the Underserved We leverage our cutting-edge AI and risk management technologies to work with partners in providing more inclusive lending and foreign exchange service for the underserved across Asia and beyond.In 2024

22、alone,we helped over 15 million users in Indonesia,Bangladesh,Thailand and Vietnam to gain access to unsecured credit,and we developed the worlds best AI transformer model to provide-cutting edge AI FX solutions to serve millions of SMEs.Our goal is to empower SMEs globally,helping them to overcome

23、barriers and thrive anywhere.Technology:Open Innovation We are not only active in driving fintech innovations within our own operations,but also committed to opening up our technologies to empower partners.This collaborative approach drives fintech innovation across various regions.As of 2024,31 par

24、tners in over 23 markets have engaged with us in technology collaborations spanning wallet technology,payment technology,risk management technology and credit technology.These shared expertise fuels a more vibrant and interconnected global digital ecosystem.Talent:Investing in Local Growth No matter

25、 how AI will develop,our future and hope depends on people.We are dedicated to nurturing the next generation of leaders and fostering local talent growth in every market where we operate.This year marks the 7th anniversary of“10 x1000 Tech for Inclusion”programme,which has engaged over 7,000 digital

26、 talents and tech leaders from more than 100 countries since 2018.Furthermore,our commitment to global business talent localisation is evidentwhere local talent is over 90%at our Malaysia Digital Business Centre and over 80%at our global headquarters in Singaporeensuring that our teams truly reflect

27、 the diverse communities we serve.Trust:Foundation of Everything Trust is essential to everything we do,and indeed,of the entire payment and financial industry.We are unwavering in our commitment to openness,transparency and technological innovation to ensure the reliability and trustworthiness of o

28、ur own operations.Moreover,we actively work to help our partners enhance their security standards,building a global network founded on integrity and confidence.In an era marked by geopolitical shifts and the rising tide of deglobalisation,we recognise the challenges and complexities that lie ahead.H

29、owever,we firmly believe that through our sustainability and business efforts,coupled with practical technological innovation,we can actively practice and promote a new,more inclusive,and broader Re-globalisation”.This means leveraging digital connectivity to bridge divides and empower SMEs to have

30、equal access and opportunities to benefit from a truly interconnected and prosperous global economy,a privilege not only reserved for a few.This journey would not be possible without the incredible support and collaboration of our partners around the world.Your trust and belief in our mission fuel o

31、ur innovation and drive our impact.We also extend our deepest gratitude to the dedicated and passionate Ant International team.Your tireless efforts,ingenuity and unwavering commitment to our users are the true engine of our success.As we look to the future,we will continue to stay true to our origi

32、nal aspiration:to build a world where digital payment and digital finance are accessible and inclusive to all,fostering sustainable growth and creating a more equitable future.We are excited about the possibilities that lie ahead and invite you to join us on this transformative journey.Ant Internati

33、onalSustainability Report 202404MESSAGES FROM LEADERSHIPAnt International sees sustainability as a catalyst for innovation,resilience and long-term business success.At Ant International,by integrating sustainability into how we innovate,operate and grow,we ensure that every business outcome is also

34、a step towards long-term societal progress.Since the past decade,Ant International has been driving inclusive growth through international cooperation and open partnerships in our“4Ts”pillars:Travel,Trade,Technology and Talents.After Ant Group announced Ant International as an independent unit in Ma

35、rch 2024,the first request from our new board of directors was to rethink the values and future direction for our key stakeholders.Through an intensive mapping exercise involving our key management members and employees,we came up with a brand-new sustainability framework which is more tailored and

36、comprehensive to deepen our sustainability impactby driving real-work impact through four pillars and 6Ts.Leiming ChenChief Sustainability OfficerAnt InternationalThis report marks an important milestone in our sustainability journey.The road ahead is long,and our work is far from done.As we scale o

37、ur impact,we will continue to innovate with purpose,collaborate with openness and lead with integrity.Because for us,sustainability is not just about responsibility,but also about creating a future where digital progress uplifts everyone and leaves no one behind.Letter from CSOA Brighter Future for

38、All:Collaborative Pathways to Inclusive SustainabilitySustainability must be inclusive to be effective,and access to opportunity should not be a privilege.Given the increasing complexities of sustainability,from taxonomy and governance frameworks to costs and resources required,collective effort is

39、required across the public and private sectors,industries and markets to drive sustainability competencies and mindsets so that no SME is left behind in the green and digital transition.In this new digital era,stakeholders expect measurable progress,not only ambition.Transparency and accountability

40、are critical to building their trust.Our four-tiered sustainability governance framework ensures that sustainability is embedded at every level,from the boardroom to the business units.We are committed to honest communication,ongoing learning and evolving with the expectations of our partners,users

41、and regulators.0405Ant InternationalSustainability Report 2024200Markets covered for SME customers by WorldFirstPromote Global ConnectivityPromote Local Economies Through Cross-Border TravelBring Equal Access and Growth Opportunities by Trade for SMEsAlipay+has enabled inclusive payment options glob

42、ally that are more accessible and affordable for all businesses.We enable SMEs to sell their products and services globally through one-stopcross-border account and serve their needs through our enterprise-grade services and toolkits.KEY HIGHLIGHTS IN 2024TravelTrade1.2 mnTotal SME customers served

43、by WorldFirst$300 bnCumulative transaction value processed by WorldFirst since 2019300Payment methods supported by Antom100Currencies supported130Marketplaces supported by WorldFirst for funds collection1.7 bnTotal user accounts covered by Alipay+mobile payment partners36Mobile paymentpartners of Al

44、ipay+100 mnTotal global merchants covered by Alipay+70Destination markets covered by Alipay+90%Alipay+offline merchants are SMEs1,000Banks and other financial institutions partners globally06Ant InternationalSustainability Report 2024Foster Inclusive GrowthKEY HIGHLIGHTS IN 2024Foster Transformation

45、 for Everyone to Thrive We leverage AI-driven credit tech and lending solutions in promoting inclusive digital finance to widen access for the underserved.15 mnTotal eligible credit users of partners powered by our credit tech servicesThrive615,000Total users served by our banking services13,000Tota

46、l SMEs served by our banking servicesHarness Technology to Drive Sustainable Digital EconomyWe embrace an open,inclusive and technological driven philosophy to help accelerate sustainable digital economic growth in a number of markets.TechnologyISO 20022Adoption of global standard for financial mess

47、aging to enable more efficient,transparent and secured transactions31Partners powered by Alipay+wallet tech solutions$300 bnTotal value processed by blockchain-driven real time global treasury solution in 202423Markets powered by Alipay+wallet tech solutions90%Accuracy in hourly demand prediction po

48、wered by our Falcon Time Series Transformer(TST)FX Model07Ant InternationalSustainability Report 2024Empower Sustainable Digital TransformationKEY HIGHLIGHTS IN 2024Nurture Digital Talent for TomorrowDrive Environmental Sustainability Through PartnershipsAdopt Best Practice to Achieve Low-Carbon Ope

49、rations10 x1000 Tech for Inclusion is a joint programme with IFC launched in 2018,driving responsible and sustainable digital landscape of tomorrow.We have the responsibility to actively invest in and champion environmental sustainability in the communities we serve.We recognise our responsibility t

50、o manage and reduce our environmental impact in addressing global climate change.Established baseline emissions inventory for Scope 1,Scope 2 and Scope 3(Categories 6&7)Programme SIRIUSIn partnership with IFC,Gprnt and 13 APAC fintech leaders across 11 economies to support MSMEs in their transition

51、towards sustainabilityLaunch of MSME S-CardMSME Sustainability Impact Scorecard(S-Card)was introduced at SFF 2024 to help MSMEs to adopt sustainability practicesProgramme AquaVivaLaunched our first ocean conservation programme at the Singapore Pavillion of COP29,with the support of PMO of Singapore

52、and Conservation International as our first global partner7,157Registered learners(cumulative)110Markets coveredImplemented workflow optimisationand deployed techniques to ensure efficient energy consumption and resilience across operationsTalentEnvironmental SustainabilityLow-Carbon50%Female learne

53、rs50%MSMEs08Ant InternationalSustainability Report 2024Collaborate to Innovate ResponsiblyKEY HIGHLIGHTS IN 2024Uphold Robust Compliance for Sound Business PracticeStrengthen Digital Trust Through Responsible Innovation Cultivate an Inclusive Workplace for a Diverse TeamWe are committed to upholding

54、 high industry standards in responsible operations.We support our partners with tailored risk management solutions and knowledge sharing.Our people are our strength:We invest in reskilling and upskilling programmes to continually nurture them.ComplianceTrustDiversity&InclusionWDTA Security Certifica

55、tiontestifies the strength of risk tech capability of AlipayHK,one of first global tech operators to do soApply effective design to protect security,integrity and availability of the system we operate,with certificates obtained include:SOC 2 Type II PCI DSS ISO/IEC 27001Require all our employees to

56、complete trainings on integrity,compliance,data security and AML best practices2.7 bpsCard payment loss rate compared to industry average of 50 bps40Nationalities in our workplace30Office locations globally64%Average of local employees across all our locations10Conversion rate lifted by EasySafePay

57、in strengthening consumer trust 99%Detection rate for identification of deepfakes and liveness check by Antom Shield for advanced fraud protection1/3Female in senior leadership2 in 5Female employeesDevelopment Programmes for Employees at All StagesNewcomers Programme HI NEWFresh Graduate Programme Y

58、outhTechLeadership Development Future Leadership Academy(FLA)pp09Ant InternationalSustainability Report 2024WHO WE AREMission and Vision Ant InternationalSustainability Report 2024MISSIONTo make it easy to do business anywhere,bringing small and beautiful changes to the worldVISIONBe the most innova

59、tive and trusted digital partner to bring inclusive growth to all0910Ant InternationalSustainability Report 2024Ant Internationals Innovation JourneyWHO WE AREAnt Internationals Innovation Journey Headquartered in Singapore,Ant International operates offices in over 30 markets,connecting over 100 mi

60、llion merchants globally,most of which are small businesses,to 1.7 billion consumer accounts from 36 global partners.We focus on developing global payments,financial and digital services for merchants and global partners across four business units:unified wallet gateway(Alipay+),unified merchant pay

61、ment(Antom),unified global account(WorldFirst),inclusive embedded finance(including platform tech that manages global FX and liquidity)and Bettr that offers inclusive tech solutions.Democratising Digital Commerce with Payment Innovation The concept of inclusive commerce through digital innovation is

62、 deeply embedded in our DNA.Our business began in the early 2010s with two innovations that powered the rise of borderless,instant global digital commerce:spreading QR-based payment and creating the institution of escrow accounts.While these innovations have a definitive impact on large platforms an

63、d global trade giants,they are also particularly important in terms of reducing costs and technology barriers for ordinary consumers and small businesses,especially for the vast communities in emerging markets with inadequate financial infrastructures.Today,on the frontier of AI and blockchain innov

64、ations,we continue to strive to make cutting-edge technology work for the broadest groups.Supporting Regional Champions of Digital EconomyAs our innovation deepened,we began to share technology expertise with entrepreneurs whoacross emerging marketsshare the same commitment to inclusive growth with

65、digital innovations.Beginning in the late 2010s,Alipay+,our flagship unified wallet gateway service,forged strategic partnerships with partners across Asia,including emerging markets such as Bangladesh,Indonesia,Malaysia,Pakistan,Philippines,Thailand and Vietnam.In 2024,we extended our technology co

66、llaborations to a total of 31 wallet partners to foster more sustainable fintech ecosystem and financial inclusion across 23 markets.Such collaboration covers the broad spectrum of technology capacity building,products and solutions development,risk and security and trusted AI.We celebrate the achie

67、vements of these partners,many of whom are now regional leaders,to drive digital transformation for vast underserved communities in their native markets.Powering SMEs Global Growth with New Cross-Border Payments Solutions One of the most important revolutions in global economy in the past two decade

68、s is how technology has significantly levelled the playground for SMEs to go beyond their native borders.Secure,efficient and friendly cross-border payment is a critical link in this field.We are excited to support fintech innovators around the world to help SMEs achieve this goal.Through Alipay+,e-

69、wallets take their 1.7 billion users around the world to travel local and live local from their home fintech app.WorldFirst strives to serve as a digital CFO for SMEs,supporting over 1.2 million small businesses,connecting them to over 130 online marketplaces.Working with new AI tools,Antom helps in

70、ternational merchants and brands navigate complex and fragmented payment methods,and build win-win connections with vast numbers of consumers and businesses in emerging markets.Digitisation and Growth Beyond Payments Beyond payment,we are forging a new collaborative front in enabling digitisation an

71、d growth.When e-wallets evolve into AI-powered super apps,they become powerful platforms to support millions of small businesses run on agile,low-cost mobile tools to reach consumers at home and abroad.Through embedded finance solutions enabled by AI and blockchain technologies,there are new ways fo

72、r SMEs to enjoy the same high-quality FX and treasury management services as those of premium financial houses.New AI-powered credit tech solutions help the industry to implement more fair and precise credit ratings for often undervalued SMEs.Applying AI to green financing initiatives,we are excited

73、 to see such fairness and recognition enlarged to support not only SMEs business growth,but also their previously unseen contribution to global environmental sustainability.Our journey continues,from mobile payment to AI-driven fintech solutions,from payment to broader commerce,from breaking boundar

74、ies of growth to strengthening guardrails of trusted AI.We provide value that overlaps the role as a business and a community member.Ant InternationalSustainability Report 202411OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Vision:Be the most innovative andtrusted digital part

75、ner to bring inclusive growth to allFosterInclusive GrowthEmpower SustainableDigital TransformationCollaborate toInnovate ResponsiblyPromoteGlobal ConnectivityOUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024At Ant International,we embrace a dual-value creation approach,where bus

76、iness value and sustainability value reinforce each other.Only by taking care of the communities we serve,empowering the underserved,and fostering the growth and prosperity of our ecosystem together,our business can truly grow and be sustainable.Our approach to managing corporate sustainability and

77、impact matters is linked to long-term value creation for our stakeholders,including partners,customers,employees,shareholders,and the communities in the markets where we operate.Our Dual-Value Creation Strategy 1112OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Promoting Global

78、 Connectivity:Through cost-effective and reliable gateway,and payment account solutions,we help to reduce payment friction and pave way for more cross-border growth opportunities for SMEs.Fostering Inclusive Growth:By scaling embedded finance and credit solutions,and sharing our technology through o

79、pen collaborations,we widen market access for small businesses and underserved communities.Empowering Sustainable Digital Transformation:We invest in talent and partnerships to ensure that sustainability knowledge is shared and adopted across markets and generations.Collaborating to Innovate Respons

80、ibly:We embed trust into everything we dointegrating privacy,compliance and risk managementand co-create scalable solutions through cross-sector collaboration.Where We Are Making Meaningful ImpactAnt Internationals sustainability strategy focuses on four key impact areas designed to drive real-world

81、 progress and long-term value.Ant InternationalSustainability Report 202413OUR SUSTAINABILITY IMPACT How We Power Our Impact Strategy6TsBring equal access and growth opportunities by Trade for SMEsHarness Technology to drive sustainable digital economyNurture digital Talent for tomorrowPromote local

82、 economies through cross-border TravelFoster transformation for everyone to ThriveStrengthen digital Trust through responsible innovationFocusing on driving real-world impact through 6Ts,we will continue to facilitate businesses around the world in unlocking more opportunities to grow and scale thei

83、r businesses beyond borders while generating long-lasting and meaningful societal impact.14OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Governance Structure of Our Sustainability StrategyManagementBoard of DirectorsSenior leaders set the strategic direction and are accountabl

84、e for delivering results towards advancing our sustainability goals.Sustainability OfficeThis dedicated team manages and coordinates the implementation of our sustainability-strategy programmes,by incorporating our business-sustainability dual-value strategy.Sustainability Impact Working GroupCompri

85、sing business leaders and management across functions,these cross-functional teams are responsible for delivering sustainability outcomes within their domains,tying impact to ownership.Employee AmbassadorProgrammeOur employee ambassadors from offices around the world drive our bottom-up momentum,by

86、championing sustainability through local actions and company-wide engagement.Our Board actively steers our business-sustainability strategy,recognising it as a core driver of business performance and long-term value.Sustainability is embedded into how we lead,operate and grow.Our governance structur

87、e ensures that our sustainability strategy can be executed with measurable outcomes.15OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Ant InternationalSustainability Report 2024OUR SUSTAINABILITY IMPACT 16OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Drivi

88、ng inclusive payment adoption through interoperability and innovationsPartnering with tourism boards across the worldInteroperable mobile wallet payments are unlocking a new era of travelone where cross-border spending becomes effortless,inclusive and secure.With a foundation of operational expertis

89、e and established infrastructure,Alipay+aims to bridge these fragmented systems and enable unified,secure and real-time cross-border payments that enhance consumer experiences and drive sustainable growth of digital commerce across diverse markets.Alipay+aims to drive this transformation and simplif

90、y cross-border transactions for consumers and merchants.As a shared aspiration to boost local economies through connectivity and inclusivity,we partnered with 36 mobile payment partners and over 1,000 financial institution partners in 2024,and collectively enabled more inclusive and affordable QR-ba

91、sed payment method for 100 million merchants to reach more than 1.7 billion user accounts in 70 destination markets.Amongst these offline merchants,over 90%are underserved SMEs.As an ecosystem,we unlock more tourism-led growth through diverse range of global payment options,supporting our merchants

92、business expansion and strengthening their role in the global economy.By promoting global payment interoperability between e-wallets and banking apps and supporting a wide range of use cases,including tax refunds,transport payments,and online ordering at restaurants,we enable travellers to move free

93、ly,so more merchants can reach new global customers and local economies can flourish,with over 90%of global offline merchants accepting Alipay+are SMEs.Ant International is a close partner of tourism boards and agencies to boost local tourism across the world,leveraging digital tools and solutions t

94、o help local merchants tap into the broader trend of increasing international travel and the need for convenient payment options.Since 2023,Alipay+has also formed strategic partnerships with national standardised QR schemes such as Singapores SGQR,Malaysias PayNet,South Koreas Zeropay,Cambodias KHQR

95、,Nepals NepalPayQR and Sri Lankas LankaPay.These partnerships expand our coverage to the long-tail merchant segment,highlighting our commitment to inclusive digital transformation and support of SME growth by enabling travellers to easily experience local heritage and cuisines via seamless digital p

96、ayments.Ant InternationalSustainability Report 2024“Interoperability is key,as local SMEs should be able to accept international payments more easily.For SMEs,the capacity to accept various forms of international payments is not merely an advantage;it has become an essential factor for survival and

97、growth in an increasingly competitive marketplace.”Cross-border payments are important building blocks of global commerce,fuelling trade growth,improving livelihoods and keeping families connected across borders.Yet the global payment system remains fragmented,with uneven regional development and va

98、rying technical capabilities that are driving up costs.The fragmentation also complicates travel and limits local businesses from fully benefiting from cross-border tourism.Generations who have grown up with technology,naturally prefer digital wallets for their speed and convenience.But the seamless

99、 integration of digital wallets with digital lifestyles has not yet been fully realisedset back by interoperability gaps,compliance hurdles,latency issues and cross-border settlement delays.E-wallets and mobile banking platforms hold enormous potential for bridging financial gaps.When integrated int

100、o the global payment ecosystem through solutions like Alipay+,they unlock broader financial access,improve transparency in fee structures,enhance settlement efficiency and lower transaction costs,as such improvements echo the G20s target for enhanced cross-border payments.TravelPromote Global Connec

101、tivity Promote Local Economies Through Cross-Border Travel Douglas FeaginPresident Ant International17OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Facilitating Seamless International Travel in ThailandOur collaboration with Tourism Authority of Thailand(TAT)is a great illustr

102、ation of how our partnership can drive impact through digitalisation.TAT is the first tourism board in the world to introduce Alipay+D-hub,a customisable travel mini-programme aimed at attracting more tourists to Thailand and enhancing their travel experience amidst strong travel demand.Boosting Mal

103、aysian SME Growth with Inbound DuitNow QR PaymentsIn 2024,PayNet and Ant International significantly boosted the number of visitors to Malaysian SMEs by enabling Alipay+on DuitNow QR.In their first full year of partnership,Alipay+accounted for over 80%of cross-border inbound QR payments.This led to

104、a sixfold revenue increase for merchants during Decembers peak travel season as compared with 2023.Alipay+has become the largest contributor to cross-border QR payments via DuitNow,where travellers from 10 markets can now use their home payment apps at over 2.5 million DuitNow QR touchpoints across

105、Malaysia with just a simple scan.This reflects a successful public-private collaboration in building a more connected payment ecosystem,contributing to Malaysias success in gaining traction among tourists as a food and cultural destination.As a Thai dessert vendor in Bangkoks Pranakorn District Mark

106、et,Numwan faced barriers to growth due to cash-only transactions,high costs of payment terminals and an inability to serve international tourists.By adopting Alipay+,she eliminated cash-handling friction and gained access to cross-border digital payments.This enabled her to serve both local and inte

107、rnational travellers,reduce operational costs and increase sales.Supported by Alipay+s affordable infrastructure,Numwan expanded her customer base,upgraded her tuktuk through a partnership initiative and secured sustainable income to support her sons education and her familys personal needs.“Cross-b

108、order commerce is rising fastand Malaysia is leading the change.Our DuitNow QR system has contributed to a 50%quarter-on-quarter surge in Alipay+transactions,now accounting for over 80%of inbound QR payments in Malaysia.”Gobind Singh DeoMinister of Digital Malaysia2 April 2025Source:QR Payments:Empo

109、wering the Rakyat,Strengthening the EconomySweet Success:From Surviving to Thriving with Alipay+Numwans story is a good example how local merchant can truly tap into new opportunities as part of our efforts to promote local businesses through tourism18OUR SUSTAINABILITY IMPACT Ant InternationalSusta

110、inability Report 2024United by Sport:Alipay+Powers Cross-Border Travel During UEFA EURO 2024Event tourism is also growing,especially among younger travellers attending sports,concerts and festivals.During UEFA EURO 2024,Alipay+saw a 27%year-on-year increase in transactions across European merchants.

111、Over 30%more travellers used their home payment apps,enjoying seamless shopping,dining and access to local attractions.In Germany,transactions surged by 73%,and merchant acceptance grew by 40%.This growth highlighted how Alipay+enhanced travel experiences and connected cultures through seamless paym

112、ents.Alipay+also helps more local businesses benefit from event-driven tourism.Simplifying Travel and Shopping Through Alipay+s Enhanced Payments and Tax RefundsThrough partnerships with local authorities and payment providers,Alipay+enhances travel experiences with faster and more convenient servic

113、es for international travellers.Travellers can also enjoy real-time tax refunds at major airports by scanning a QR code and receiving instant payouts via the Alipay mini-programme.Together with Global Blue,Alipay+Easy Refund allows travellers in Europe for faster tax refunds.The service simplifies t

114、he entire tax refund process and boosts transaction completion rates for retailers.Ant InternationalSustainability Report 2024Ant InternationalSustainability Report 202419OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Unlocking global opportunities for SMEs with global business

115、Unlike traditional providers,WorldFirst offers fast and cost-effective services,including secure onboarding,multi-currency payments,collections,FX and fund management.WorldFirst enables SMEs to easily take their products and services globally,all on one platform.By leveraging our cost-effective and

116、scalable unified account and treasury services,over 1.2 million SMEs can send payments with ease in over 200 markets in more than 100 currencies.Through World Account,SMEs also benefitted from simplified funds collection from over 130 marketplaces,including Amazon,Walmart and Tiktok Shop,and receive

117、d B2B transfers directly from global buyers.By improving cash flow,lowering costs and ensuring same-day processing,our cumulative total transaction value has grown together with the growth of our merchants,to over USD 300 billion in 2024.Trade is at the core of Ant Internationals mission to make bus

118、iness simple,inclusive and accessible for all.In todays fragmented trade landscape,SMEs are underserved by traditional financial institutions and face persistent barriers,from complex payment systems to high transaction costs,which hinder their ability to thrive in cross-border commerce.WorldFirst h

119、elps SMEs grow globally with scalable financial solutions,localised support and a focus on emerging markets.Its fast,cost-effective accounts simplify cross-border trade,while strategic partnerships and ongoing engagement create a supportive ecosystem for businesses to adapt,diversify and succeed.Thr

120、ough Antoms comprehensive payment gateway solutions with over 300 payment methods worldwide,we offer enterprise-grade services and tools to meet the payment needs of merchants of any size,in over 50 markets.Through Antom Payment Orchestration,an all-in-one global payment management platform,and Anto

121、m Copilot,a 24/7 AI-powered business assistant,we reduce payment integration time by 90%and lower barriers for our merchants and SMEs to increase transaction success and scale their business globally through seamless integration and easy access to value-added payment capabilities.Scoot Boots Global

122、Expansion Powered by WorldFirsts Scalable Payment SolutionsWorldFirst helped Scoot Boot overcome its currency hurdles.Using its multi-currency World Account,Scoot Boot could manage multiple currencies in one place and get real-time visibility on global transactions.A dedicated account manager from W

123、orldFirst provided Scoot Boot with personalised support,while transparent fees and competitive exchange rates helped safeguard its profit margins.This efficiency helped Scoot Boot expand to more than 110 markets quickly and stay in control of their financial operations.TradePromote Global Connectivi

124、ty Bring Equal Access and Growth Opportunities by Trade for SMEs Ant InternationalSustainability Report 2024We see the distinct challenges global SMEs face.WorldFirst is committed to helping our merchants stay competitive and meet evolving market needs.The majority of WorldFirsts customers are micro

125、businesses;many are from emerging markets and are in their first year of operations.Access to logistics,tax expertise and marketing services is crucial for their success.To help them succeed,WorldFirst connects them with partners and tools by forming strategic partnerships and fostering a collaborat

126、ive ecosystem of shared solutions and collective expertise.Launched in 2015,Scoot Boot was co-founded by Dave MacDonald and Annette Katinis to create therapeutic boots for horses to move freely and naturally.It commenced operations in Tasmania,Australia,where it is still based out of.20OUR SUSTAINAB

127、ILITY IMPACT Ant InternationalSustainability Report 2024In 2024,Antom acquired MultiSafepay(MSP),an Amsterdam-based payment service provider that specialised in payment solutions to over 18,000 SMEs in Europe.Through the partnership,Antom together with MSP,will further their joint commitment to offe

128、r more secure,flexible and efficient payment solutions with cross-sector partners for small businesses to thrive.In 2024,WorldFirst held over 200 events locally in the UK,Germany,the Netherlands,Singapore,Vietnam and China,to help SMEs in e-commerce across emerging markets.From Challenges to Global

129、Success:Tantex Thrives with WorldFirsts Payment SupportTantex,a family-driven textile business based in Singapore with a global presence,had faced challenges managing international payments due to fluctuating exchange rates and high transaction fees.By partnering with WorldFirst,Tantex saved up to 7

130、0%on each transaction.WorldFirsts cost-effective and flexible payment system supported its diversification and enabled it to do business with clients worldwide.Ant InternationalSustainability Report 2024Ant InternationalSustainability Report 2024Fostering growth for businesses of all sizes through d

131、igital innovations and partnershipsAntom remains committed to empowering merchants with smarter,more secure and more efficient unified payment solutions.By harnessing technology,Antom is not only simplifying transactions but also fostering a more inclusive commerce ecosystem.With Antoms over 300 pay

132、ment options and risk tech-optimised capabilities,our Antom Copilot helped businesses worldwide,including SMEs,eliminate complexities by automating the integration process,offering intelligent recommendations,and minimising loss associated with fraud risks.Instead of spending weeks on complex setups

133、,SMEs can integrate payment solutions in just minutes,allowing them to focus on business growth rather than technical challenges.21OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Ant InternationalSustainability Report 2024OUR SUSTAINABILITY IMPACT 22OUR SUSTAINABILITY IMPACT Ant

134、 InternationalSustainability Report 2024The world is undergoing rapid digital transformation.However,not everyone is benefiting from it equally.Promoting financial inclusion is therefore one of our key priorities.Digital innovation should create opportunities for all,especially for MSMEs,underserved

135、 communities and individuals excluded from traditional financial systems.We adopt a collaborative approach to drive sustainable growth.By partnering with trusted local platforms and financial institutions,we strive to make financial services more convenient and accessible for MSMEs and individuals.S

136、mall businesses can not only access financing but also grow their wealth through diversified financial solutions and meet their financial management needs.Ant International embraces an open,inclusive and technology-driven philosophy,bridging gaps in payments,digitalisation and financing through coll

137、aboration with the public and private sectors.Recognising that technology can be transformative in driving sustainable growth,we develop technology under the guidance of regulatory authorities,endeavouring to take active roles in industry initiatives that facilitate innovation and infrastructure dev

138、elopment in financial services.ThriveFoster Inclusive GrowthFoster Transformation for Everyone to Thrive Leveraging technology and data insights to remove financial access barriersAccess to financial services and credit is a key driver of inclusive growth and economic prosperity.We have reimagined d

139、igital banking services to make it simpler,more accessible and inclusive for MSMEs,empowering them to thrive in todays dynamic business landscape.As of the end of 2024,our banking services have reached 615,000 users and 13,000 SMEs.We collaborated with local partners like bKash in Bangladesh and DAN

140、A in Indonesia to tailor credit offerings that meet unique needs of the local markets,and cater to cultural,linguistic and regulatory differences.We are committed to broader financial access for underserved communities,by leveraging AI and alternative data in risk modelling,such as Graph Neural Netw

141、orks,we transform sparse alternative data into structured and meaningful insights to assess creditworthiness.This approach fills the gaps left by traditional data sources,enabling more inclusive and accurate credit decisions.By working with local partners,we contributed to building more inclusive fi

142、nancial systems across various markets.In 2024,15 million users are eligible for credit from our credit tech partners.Smarter MSME Credit Evaluation by Leveraging Alternative Data InsightsInstead of relying solely on traditional metrics,we tap into alternative data to assess MSMEs who have been unde

143、rserved by traditional credit systems.For example,when evaluating a local restaurant,we assess not only transaction and payment data,but also other alternative data such as store operations and location data.By leveraging cutting-edge modelling and algorithms like heterogeneous networks,deep neural

144、networks and behaviour sequence modelling,we are able to estimate the restaurants projected revenue and business outlook,leading to smarter and fairer credit assessment.In Thailand,a Muay Thai boxing gym owner shared that with just a few online steps,he was able to gain access to a credit line.With

145、the support from Bettr,he is now able to organise more boxing matches and grow his business.His story illustrates how inclusive digital lending can not only empower local entrepreneurs but also help preserve and promote traditional culture.“I was surprised by how easy it was to get financing from Be

146、ttr.It took only a few steps to apply online,and once it was approved,I could use the credit line any time it was needed.Now,I can organise more matches and promote the beautiful sports of Muay Thai and boxing.”Mr Natthapong KhunaksornOwnerSamkler Muaythai Co.,Ltd.We are expanding SME lending servic

147、es across markets to offer more diverse options and scalable solutions for SMEs,particularly news businesses without established histories,in markets such as Hong Kong and Thailand.Singapore Domestic SME Partnership Initiative of the Year 2024Asian Banking&Finance Wholesale Banking Awards(2024)23OUR

148、 SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Powering e-Commerce Growth with Bettr Working Capital in BrazilBrazils booming e-commerce sector presents major opportunities,yet many MSMEs face financing hurdles due to high barriers in accessing financing.These challenges include h

149、igh interest rates,lengthy processes and complex paperwork.Bettr Working Capital was launched in Brazil,offering an end-to-end embedded financial solution on AliExpress e-commerce platform,by effectively leveraging e-commerce operational data.Its fully-digital process provides affordable loans based

150、 on sales data,with disbursements made on the same day.Bettr,through improving lending services,helped SME entrepreneurs to overcome cash flow challenges.Seamless Access to Diverse Financial Services Through Embedded Finance ServicesStrengthening bKashs Credit Capabilities Through Alternative Data M

151、odelling bKash,the largest e-wallet in Bangladesh,launched Digital Nano Loan to provide convenient and paperless credit access to underserved individuals,leveraging our risk data modeling and intelligence.In a market where approximately 95%of consumers are excluded in credit bureau records,our model

152、ling leverages alternative data,improves accuracy in risk assessment and supports accessible financing for first-time borrowers.Within the first year of the partnership,bKash has successfully expanded the number of eligible customers to more than 30%of its total active users.Ant Banks eM+High Yield

153、Account,Ant Bank PayLater for buy-now-pay-later options,low-interest personal revolving loans and low-cost fund investments starting at HKD 1,have been integrated into AlipayHKs digital finance section,which offers AlipayHKs over 4.2 million active users convenient access to a wide range of financia

154、l services.The section also provides insurance products offered by Ant Bank in partnership with insurance companies such as YF Life.This integration allows users to manage their financial and healthcare needs,anytime and anywhere through Ant Bank mini app on the AlipayHK.Worlds Top FinTech Companies

155、 of 2024Worlds Top FinTech Companies(2024)SBR Technology Excellence Awards 2024 in Fintech-Banking categorySBR Technology Excellence Awards(2024)Best Digital Experience Awards-BronzeThe CX Asia Excellence Awards(2024)Accessible and Inclusive Financial Services for MSMEsLBRLABEL is founded in Singapo

156、re by Regina,who began her fashion journey in 2010 that started as a closet clearance project during her university days and has evolved into a brand celebrating every womans limitless potential.From comfy casuals to dazzling party dressing and professional workwear,LBRLABEL offers a diverse collect

157、ion for women across the globe to empower them through style.Regina leverages ANEXT Banks multi-currency business account to manage her e-commerces finances due to its fuss-free digital platforms and fee-free features.BRHKBDSG24OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024GCa

158、sh Celebrates Growth with Alipay+Wallet TechIn October 2024,at its 20th anniversary celebration in Manila,GCash credited the Alipay+platform for driving its business growth and enhancing platform stability,especially during the pandemic.The migration to Alipay+enabled GCash to scale rapidly,serve ov

159、er 94 million users and expand services through features like mini-programmes.Its ongoing innovations powered by Alipay+technologies include Smile to Pay,wearable payments and transport solutions,along with Platform-as-a-Service(PaaS)upgrades.Alipay+Rewards ApplyingPrivacy-Preserving Technology By u

160、sing our proprietary privacy-preserving computing technologies,A+Rewards has enabled foodpanda to unlock business growth in the Philippines without compromising user privacy.With data kept usable but invisible,A+Rewards delivered precise matching at scaledriving a 4x increase in user engagement effi

161、ciency and boosting user acquisition by 30%.This privacy-first approach demonstrates that secure and compliant technologies can deliver measurable growth.In 2025,A+Rewards was recognised with the Best Merchant Service in Asia Pacific award at the Excellence in Retail Finance Awards,highlighting its

162、seamless and impactful support for merchants across the region.At Ant International,trust and inclusion are the twin pillars that guide us in how we build,deploy and govern AI in fintech.We aim to foster innovations and partnerships that make AI less costly and more accessible,so that more companies

163、 and developers can participate in the AI-powered economy,and consumers can benefit from more useful applications.Through open collaborations,we share our experience,tech capabilities and operational expertise to support our partners in every step of their growth journeys.Through our risk technology

164、,wallet technology,payment technology,platform technology,and credit technology,we help to accelerate digital economy growth through our partnerships with 36 global e-wallets,leveraging our leading mobile payment innovation solution.These global wallets together cover more than 1.7 billion user acco

165、unts and over 100 million merchants,supporting more than 100 currencies.TechnologyFoster Inclusive GrowthHarness Technology to Drive Sustainable Digital Economy Best Merchant Service in Asia Pacific(A+Rewards)Excellence in Retail Finance Awards(2025)Recognised for delivering seamless and impactful m

166、erchant services regionallyAnt InternationalSustainability Report 2024Ant InternationalSustainability Report 202425OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Whale Platforms Global Partners Partnering with over 10 global systematic important banks(G-SIBs)in our treasury man

167、agementWhale Platform connected to HSBC,DBS and Banking Circle in HK/SG/EU for tokenised deposit under MAS Project Guardian and HKMAs Project Ensemble 2024.01Ant International completed the programmable payment pilot in HKMAs e-HKD Pilot Programme2023.10Whale Platform connected to HSBC and J.P.Morga

168、n for blockchain payment in Luxembourg2020.08Whale Platform connected Citi,HSBC and Standard Chartered for blockchain payment in HK and SG2019.12Ant International completed HKD-denominated cross-bank blockchain test transactions under HKMAs Project Ensemble Sandbox2024.10Ant International announced

169、cooperation with BNP Paribas and OCBC on tokenisation2024.07 Whale Platform:Global Open Banking Real-Time Payment(RTP)PlatformWhale platform is a next-generation treasury management solution that utilises blockchain technology,including advanced encryption and AI,to improve the efficiency and transp

170、arency of funds transfer between Ant Internationals intragroup entities for real-time global treasury management.In 2024,more than a third of Ant Internationals transactions were processed on-chain via the Whale platform.SWIFTSWIFTOpenBankingOpenBankingFPSFPSEnhancing the efficiency of cross-border

171、fund settlements through blockchain and AI innovations Over the past decade,many markets have built fast payment systems that enable real-time local transactions.However,significant gaps remain in cross-border payments.To address these gaps,we partnered with 14 global banks,including several Global

172、Systemically Important Banks(G-SIBs),striving to develop an open ecosystem for transparent,real-time cross-border treasury management on our Whale platform.Our proprietary open banking platform powered by AI and tokenisation technology,enables instant settlement of tokenised deposits,enhancing trans

173、parency and efficiency for cross-border transactions.Ant International has been working with partners around the world,including J.P.Morgan,Standard Chartered and HSBC on tokenised deposit solutions to move money and increase settlement efficiency.In 2024,the platform supported over 100 currencies a

174、nd powered fund processing value totalling over USD 300 billion for blockchain settlement.To further ensure businesses of all sizes can harness the power of AI to address real-world challenges,we also developed our proprietary AI-powered solutions,namely Falcon Time Series Transformer(TST)AI FX mode

175、l,enabling more accurate predictions on trading volumes and lowering hedging and overall FX costs with hourly FX demand prediction accuracy rate of over 90%.Advancing Cross-Border Payment Transparency Through SWIFTs Collaboration ProgrammeAnt International has joined SWIFTs Network Interoperability

176、Reference Implementation programme to explore ways to improve cross-border payment transparency.Through this collaboration,we aim to combine SWIFTs global network with our expertise in digital and cross-border payments to deliver faster,more seamless transactions worldwide.26OUR SUSTAINABILITY IMPAC

177、T Ant InternationalSustainability Report 2024Partnering AirAsia to Optimise Treasury ManagementAnt International and Capital A Berhad,owner of AirAsia,have formed a strategic collaboration to bring more seamless services and diversified growth in the region and beyond.AirAsia adopted our Falcon FX m

178、odel to improve accuracy of FX and cash flow forecasts,resulting in 20-60%reduction in FX hedging costs and strengthening their market competitiveness to offer more affordable services to their consumers in the region.Ant International x OCBC:Treasury Innovation in Action In 2024,we partnered with O

179、CBC to explore tokenised deposit innovations for global treasury management via the Whale platform.This pilot enables real-time,24/7 cross-border payments between Singapore and Malaysia,marking a breakthrough in treasury operations.While the collaboration was the first between OCBC and Ant Internati

180、onal,it signalled a broader shift to offer global businesses a more agile,transparent and resilient way to manage liquidity in a fast-moving world.As a strong supporter of public-private partnerships,we actively participate in collaborations with the public sector.These collaborations aim to harness

181、 the power of blockchain technology to address wholesale banking gaps and pain points.Through partnering with regulators and established global institutions,we contribute our industry expertise and tech capabilities to pioneer and develop the use of emerging technologies such as tokenisation in cros

182、s-border payments clearing and settlement.Joining Project Ensemble to Unlock Real-Time Tokenised LiquidityAnt International joined the HKMAs Project Ensemble Sandbox in 2024.Using the Whale platform,we have explored tokenisation use cases,such as the settlement of tokenised money deposits,in collabo

183、ration with HSBC and Standard Chartered Hong Kong.This partnership marks a key milestone in advancing public-private innovation in tokenised finance.Driving Real-Time Multi-Currency Clearing and Settlement through Tokenisation in Project GuardianAs part of the MAS Project Guardian,a global initiativ

184、e to boost financial market liquidity and efficiency through asset tokenisation,Ant International was invited to lead the FX working group,piloting an industry use case where a corporate treasury can initiate and receive payments 24/7,seamlessly bridging across multiple locations in an increasingly

185、global business landscape across various currencies.Central banks and policymakers from France,Germany,Japan,Switzerland and United Kingdom are actively participating in Project Guardian,contributing to the development of digital asset infrastructure and standard.Best Foreign Exchange SolutionAdam S

186、mith Award(2024)Recognised for enhancing user experience with localised pricing and flexible payment options in the aviation sectorBest Cash Management SolutionBest Payments and Collections SolutionThe Asset Triple A AwardsBest Cash Management Solution(2024)Best Payments and Collections Solution(202

187、5)Collaboration with J.P.Morgan to Advance Financial Services AbilitiesIn partnership with J.P.Morgan,we achieved an industry landmark by establishing API connectivity between the Whale platform and Kinexys Digital Payments.This integration enables seamless fund transfers and real-time balance synch

188、ronisation across both systems,eliminating the need for manual checks or reconciliation,and ensuring accuracy and efficiency.Industry Collaborations Leveraging Digital InnovationsDrive Responsible Innovation Through Public-Private Partnership 27OUR SUSTAINABILITY IMPACT Ant InternationalSustainabili

189、ty Report 2024Ant InternationalSustainability Report 2024OUR SUSTAINABILITY IMPACT 28OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024The key pillars of transformation include:10 x1000 was jointly launched with IFC in 2018.Key impacts till date:The 10 x1000 Tech for Inclusion(“10

190、 x1000”)initiative,supported by Ant International and the International Finance Corporation(IFC),serves to dismantle three critical barriers that impede digital economic growth:the widening global skills divide,the untapped innovation potential of emerging markets,and the systemic inequities that si

191、lence marginalised voices.Guided by the principles of Learn,Connect,Inspire”,it seeks to establish an alliance of visionary partners committed to creating a borderless ecosystem in which talent can thrive.This initiative fosters active and collaborative learning,with future technology leaders from L

192、agos to Jakarta coming together to co-create solutions for tomorrows challenges.TalentEmpower Sustainable Digital Transformation Nurture Digital Talent for Tomorrow Our mission We aim to bridge the global digital skills gap,empowering digital talents to thrive in a rapidly changing digital world and

193、 driving the sustainable growth of the digital economy.Our vision Collaborate with industry partners to build an inclusive learning platform that nurtures at least 1,000 tech leaders and digital talents annually for the next ten years.1.A Dynamic Knowledge Engine:A scalable platform democratises acc

194、ess to world-class digital education2.Future-Proof Skills in Action:Scenario-based training that bridges theory with real-world applications,empowering individuals to address pressing economic and societal challenges3.Ecosystem Synergy:Strategic collaborations that enhance collective strength,foster

195、ing alignment among governments,corporations and educational institutions to promote inclusive growth4.A Living Global Community:A vibrant network that facilitates the exchange of ideas,fosters collaboration and nurtures leaders who can act as catalysts within their communities7,157registered learne

196、rs(cumulative)50%females82in developing markets50%MSMEs40partners110markets covered1,979organisations are represented6programmes10 x1000 Featured StoriesStrategic Partnership with National Bank of GeorgiaIn 2024,10 x1000 formalised a strategic partnership with the National Bank of Georgia(NBG),align

197、ing with the central banks national agenda to cultivate digital talent and accelerate fintech innovation.The collaboration launched an inaugural cohort of 30 professionals,who successfully completed the 10 x1000 Fintech Foundational Programme.“Technologies such as blockchain,artificial intelligence,

198、tokenisation and programmability are revolutionising the financial infrastructure.This necessitates the training of new personnel and the retraining of existing staff to adapt to the evolving industry.We are pleased to partner with 10 x1000 and have the first cohort of 30 fintech professionals from

199、Georgia joined this global initiative.”Fostering A Living Global Community“The knowledge sharing is priceless.I like the bite-size learning format with deadlines and pop quizzes to see if one has caught what the presenter intended.I have re-reviewed some of the content,and as my business grows,thing

200、s become clearer.I find that my understanding of a topic changes and grows with time and experience.”Nuraizah has pioneered MADCash to open financial access to women-led micro-businesses through 0%interest micro-loans.Her vision for MADCash was sharpened by 10 x1000s global fintech case studies.By i

201、ntegrating insights from 10 x1000,she has scaled MADCash into a tech-driven ecosystem that bridges credit gaps and equips entrepreneurs with digital knowledge.Her dual focus on inclusive finance and capacity building positions MADCash as a catalyst for systemic change,driving gender equality and eco

202、nomic resilience across Southeast Asia.Valarm EbanoidzeHead of Fintech and Suptech Development DepartmentNational Bank of GeorgiaNuraizah Shamsul BaharinCo-founder&CEO,MADCash,Malaysia29OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Enrich All Walks of Lives Through Digital Lea

203、rningJoint Programme with NVPC on Digital GivingAnt International believes in open collaboration with organisations to equip people with the right knowledge and digital tools to promote sustainable growth.The National Volunteer&Philanthropy Centre(NVPC)launched a partnership with Ant International w

204、hich aims to enhance the digital fundraising capabilities of charity partners on NVPCs giving.sg platform.Ant International supported 13 charities through a capacity-building programme,where we explored growth marketing,tested creative strategies and participated in a fundraising pitch challenge.As

205、a result,they developed more targeted digital engagement approaches,which would help them to reach broader audiences,run more effective campaigns and increase social impact.Driving Digital Adoption in SingaporeWe are a partner of Infocomm Media Development Authoritys(IMDA)Digital for Life.Digital fo

206、r Life aims to galvanise the community in Singapore to help citizens of all ages embrace and learn digital to enrich their daily lives.In recognition of these efforts,Ant International received the“Digital for Life Catalyst Award”by the IMDA of Singapore in 2024.Ant International demonstrated anti-d

207、eepfake solution at IMDAs Digital for Life Festival 2024 in Singapore.Visited by former deputy prime minister Heng Swee Keat,hosted by President Douglas FeaginDigital for Life Catalyst AwardIMDA Partner Appreciation Event(2024)Awarded by Minister for MDDI,Josephine Teo,in recognistion of our contrib

208、utions to drive financial transformation in SingaporeNurturing Tech Talents in Partnership with Malaysian UniversitiesAnt International was a corporate sponsor and supporter of Asia Pacific Universitys International Battle of Hackers(IBOH)2024 held in Malaysia.It is a global cybersecurity talent dev

209、elopment initiative that combines advanced Capture the Flag(CTF)competitions,industry-led workshops,and expert panels to equip students with real-world technical skills and strategic thinking.With over 160 teams and 465 participants from around the world,the programme offers hands-on experience in c

210、ryptography,AI,and digital forensics,while also fostering early engagement,industry connectivity,and leadership developmentpositioning students to thrive in the evolving cybersecurity landscape.Ant Internationals Chief Information Security Officer(CISO)was one of the panelists who shared his experie

211、nce in securing digital transactions with the participants in the forum during IBOH2024.Ant InternationalSustainability Report 202430OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024SisBerdaya and DisBerdaya in IndonesiaIn partnership with DANA Indonesia,SisBerdaya was launched i

212、n 2023 with Ant Internationals support.The programme provided training,mentorship and financial support to a cumulative total of 390 female entrepreneurs in ultra-micro and micro women businesses,equipping 1,880 participants with digital and business skill sets to elevate their businesses through te

213、chnology.In 2024,DisBerdaya was added in supporting women entrepreneurs with disabilities.Girls Love Tech in SingaporeIn partnership with IMDA,SG Women in Tech and She Loves Tech,we launched Girls Love Tech in 2022 to inspire and empower young women to become future tech leaders.In 2024,the programm

214、e welcomed over 300 girls aged 12 to 23.Younger participants(1216 years old)explored Generative AI,applied tech solutions to real-world problems,participated in a Women in AI panel,honed their public speaking skills,and were inspired by a mother-daughter duo in tech.Older participants(1723 years old

215、)participated in an intensive entrepreneurship bootcamp,where they learnt from unicorn founders and industry leaders on career growth,business models and scaling strategies.They also pitched their ideas to a panel of judges.Meet one of the winners from DisBerdaya 2024As the mother of a child with sp

216、ecial needs,Euis started CIDCO to provide a platform for people with special needs to express themselves through art.Now a lifestyle brand with products that span tumblers,pouches,scarves and shopping bags,every product from CIDCO is hand made with care.Euis is one of the Winners for DisBerdaya 2024

217、.Youth Internship Programme in Hong Kong and SingaporeIn 2024,we opened our doors to young changemakers across Asia.Under the SingaporeChina Youth Interns Exchange Scheme(YES),we welcomed five Singaporean students in our Hangzhou and Shanghai offices.Immersed in live projects across data,marketing a

218、nd business,they gained both practical skills and cross-cultural perspectives.Through the Home and Youth Affairs Bureau(HYAB)Scheme with the Hong Kong government,we hosted university students in a fast-paced,eight-week internship where they applied academic learning to real-world challenges in cross

219、-border payment solutions,public relations and sustainable finance.Were proud to see Euis and thousands of women-led MSMEs transform through technology.In partnership with Ant International,and with support from Central Bank of Indonesia and our local government stakeholders,this programme empowers

220、women including those with disabilitiesto grow their businesses with digital and business skills.Together,were shaping an inclusive,tech-driven ecosystem that delivers sustainable opportunity across Indonesia.Vince IswaraCEO&Co-founderDANA Indonesia31OUR SUSTAINABILITY IMPACT Ant InternationalSustai

221、nability Report 2024Ant InternationalSustainability Report 2024Over 90%of our total emissions in 2024 stemmed from two sources:purchased electricity(Scope 2)and business travel(Scope 3,Category 6).Emissions from electricity are largely attributed to the energy-intensive needs of our digital infrastr

222、ucture,while business travel emissions are mainly driven by employee air travel.We have also sought external verification for the baseline study.Please refer to page 53 for the external limited assurance statement.1234Scope 1 From natural gas and fugitive emissions15612Scope 2From purchased electric

223、ity221,69234Scope 33Category 6:Business travelCategory 7:Employee commuting11,6772,083GHG emissions inventory in 2024(tCO2e)Addressing climate change is one of the most significant global challenges today.We recognise our responsibility to be part of the solution.With a global footprint,Ant Internat

224、ional is committed to managing and reducing our environmental impact.Among all other environmental impacts,greenhouse gas(GHG)emissions will directly contribute to climate change,particularly global warming.Therefore,we focus on managing our GHG emissions footprint across our global operations,conti

225、nually enhancing how we measure,report,track and reduce emissions to develop credible long-term decarbonisation targets.Identifying our baseline inventory through carbon profilingEstablishing credible long-term decarbonisation targets begins with an understanding of our carbon footprint.We started o

226、ut by voluntarily conducting1 a baseline emissions inventory across our eight offices and four data centres(identified as under Ant Internationals operational control)for the period from January to December 2024.Using the internationally-recognised GHG Protocol,we calculated emissions for Scope 1,Sc

227、ope 2 and selected categories of Scope 3.Low-CarbonEmpower Sustainable Digital Transformation Adopt Best Practices to Achieve Low-Carbon Operations The organisational boundary was defined based on the operational control approach.1.This is calculated based on the location-based approach(21,793 tCO2e

228、 if based on marked-based approach).The minor difference is due to residual grid emission factors applied in two offices.2.Data are based on staff from all offices.3.32OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Ant InternationalStrengthening our climate resilienceWhile our

229、baseline study marks an important first step,we recognise the inherent challenges in accurately quantifying emissions.These include improving the quality of emissions and conversion factors,completing the full Scope 3 inventorywhere we anticipate material impact to our total emissionsand refining th

230、e collection and interpretation of activity data.Addressing these gaps is critical to ensure our emission metrics support an accurate and informed decision-making process.We are taking a thoughtful and iterative approach in our journey towards long-term decarbonisation,with the aim to explore and al

231、ign with science-based pathways to set GHG emissions reduction goals.We will conduct an assessment for climate-related risks and opportunities to better understand how they may affect our operations.We are also developing a decarbonisation strategy guided by a mitigation hierarchy to prioritise acti

232、ons that have the most meaningful impact,such as adopting cloud-native technologies and maximising hardware utilisation to minimise energy usage.Leveraging Technology to Enhance Energy Efficiency in Data CentresTo further reduce energy consumption and enhance resource efficiency,we will continue exp

233、loring green technology solutions that optimise system performance.For example,our AI-drive optimisation technology dynamically allocates CPU and memory resources based on real-time container usage,enabling intelligent and energy-efficient scheduling.Furthermore,our hybrid online-offline deployment

234、approach allows diverse workloads to run concurrently on shared infrastructure,which maximises utilisation while maintaining performance targets.Together,these innovations will result in more sustainable,efficient and resilient infrastructure across our operations.Sustainability Report 202433OUR SUS

235、TAINABILITY IMPACT Ant InternationalSustainability Report 2024Promotion of MSME sustainability inclusionCorporates and businesses today face increasing requirements from regulators,financial institutions and supply chain partners to disclose and track their sustainability performances.SMEs represent

236、 90%of all businesses and 50%of employment worldwide,yet their limited size means they lack the capability and data collection mechanism for sustainability-related reporting.MSMEs,key components of larger firms supply chains,face even greater challenges:the complexities of the reporting landscape;in

237、sufficient resources and know-how to generate basic sustainability reports;and the high cost of employing technological solutions and consulting services for effective reporting.In March 2024,Programme SIRIUS(Sustainable Innovation for Regenerative and Inclusive Purpose)was launched.It is an industr

238、y-led initiative supported by industry partners,including Ant International,Gprnt(an initiative by MAS),the IFC and 13 Asia-Pacific fintech leaders across 11 economies.Aimed at facilitating MSMEs sustainability journeys,it fosters open industry dialogues on sustainability innovations and best practi

239、ces.Programme SIRIUS helps MSMEs transition to a low-carbon economy,advances their access to sustainability financing and uplifts them with new growth opportunities.Ant InternationalSustainability Report 2024“One of the key priorities when we launched Programme SIRIUS earlier in 2024 was to address

240、the critical challenge of sustainability inclusion for MSMEs,who are being left behind in the global shift towards sustainability,missing out on new opportunities.We hope that the MSME S-Card,the first initiative under Programme SIRIUS,will offer a benchmark for MSMEs and financial institutions to w

241、ork together to support MSMEs sustainability journey,enabling them to contribute to a shared vision for a better future while gaining practical benefits from sustainable payments,ESG reporting,and green financing.”Enabling environmental innovation through strategic collaborationSustainability inclus

242、ion,in addition to financial inclusion and technology inclusion,is an important aspect.MSMEs must not be left behind in the transition to a more inclusive and sustainable economy.Our deep experience and global reach means that we have the critical responsibility to actively invest in and champion en

243、vironmental sustainability in the communities we serve.We believe that inclusivity makes sustainability more effective.Real progress happens when innovation is accessible to allnot just a few.We aim to leverage our tech innovation expertise and our reach via digital platforms to mobilise the communi

244、ties we serve towards adopting a sustainability mindset and supporting eco-friendly initiatives that benefit marine ecosystems.Taking an open collaborative approach,we actively partner with governments,international organistaions and like-minded organisations to drive collective action and make more

245、 progress towards climate sustainability,MSME inclusion and digital enablement.Through these collaborations,we expand the reach of our impact,share knowledge and pool resources to address pressing challenges such as marine conservation,climate adaptation and circular economy practices.Environmental

246、Sustainability Empower Sustainable Digital Transformation Drive Environmental Sustainability Through Partnerships Leiming ChenChief Sustainability OfficerAnt International34OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Digital Sustainability Scorecard for MSMEs to Enhance ESG

247、CredibilityAnnounced at the Singapore Fintech Festival 2024 as part of the broader Programme SIRIUS,Ant International,together with partners IFC,Gprnt and GCash,will pilot the MSME Sustainability Impact Scorecard(MSME S-Card)as an industry best practice to advocate more support for MSMEs sustainabil

248、ity transition journeys.MSME S-Card is a digital solution which will make it easier for MSMEs to automate their credentials onto a digital scorecard integrating key metrics indicating how environmentally and socially friendly these MSMEs are.The tool is designed to be user friendly,automated and act

249、 as a starter toolkit to help businesses to track and understand their impact.Ant International launched AquaViva,our global programme for ocean conservation at COP29Ant International announced the launch of AquaViva,our first ocean conservation programme,at the Singapore Pavilion of the UN Climate

250、Change Conference(COP29).Conservation International is our first global partner to advance our global efforts in promoting marine biodiversity.Programme AquaViva is Ant Internationals first ocean conservation programme,which focuses on research&climate resilience,biodiversity conservation,capacity b

251、uilding,sustainable tourism and collective actions in creating a vibrant future for marine life through digital innovation,science,AI technology and human connection.Ant InternationalSustainability Report 2024Why Ocean Matters?30%of carbon created by human activity is absorbed by the oceans44%of the

252、 worlds population lives within 150 kilometers of an ocean90%of emissions heat is absorbed by the ocean3 out of 7 people in the world depend on seafood as their main source of proteinSource:The ocean the worlds greatest ally against climate changeIn 2024,we embarked on AquaVivas inaugural joint proj

253、ect with Conservation International on the conservation of whale sharks in Indonesia.The project engages with Indonesian authorities and communities to develop and implement whale shark ecotourism policies and practices around key habitats in Indonesia.Illustration of a whale shark35OUR SUSTAINABILI

254、TY IMPACT Ant InternationalSustainability Report 2024Sustainability is no longer just a buzzwordits a call to actionSustainable travel and tourism have emerged as powerful new market opportunities,as consumers,businesses and governments increasingly seek experiences that balance economic growth with

255、 environmental stewardship and community wellbeing.Turning that awareness into tangible action remains a challenge.In 2023,Alipay+unveiled a year-end campaign to promote sustainable cross-border travel with a series of incentives,such as free overseas mobile data packages and in-app discounts across

256、 Alipay+s extensive merchant network.These incentives were offered to users by global partners of five e-wallets in Asia.Ant International is also an active member of the World Travel and Tourism Council,whose mission is to maximise the inclusive and sustainable growth potential of the travel and to

257、urism sector through global partnershipswhere we will continue to explore different partnerships to drive mindshare of responsible travel and sustainable tourism.Partnering to DriveSustainable TravelAnt International worked with partners,including GCash,Touch n Go and TrueMoney,to drive sustainable

258、tourism.In the 2023 year-end campaign,travellers received eco-friendly incentivessuch as free roaming data,exclusive in-app deals and 100%rebatesif they chose greener behaviours like using public transport,carrying reusables and shopping locally.Spanning popular destinations across Asia,the initiati

259、ve helps global brands and SMEs make responsible travel rewarding.Employee Sustainability Challenge In 2024,Ant International launched our internal sustainability challenge.After months of preparation,evaluation and presentation before the judging panel,five project teams were shortlisted for the aw

260、ards.This internal challenge was a key project to drive internal staff awareness and capacity building for our sustainability strategy.The awarded teams were granted an exclusive tour to visit Ant Forest sites at Inner Mongolia,China,and gained insights on forestry preservation efforts.Championing S

261、ustainable Travel Experience Leveraging AR TechnologyAt the Singapore Fintech Festival 2024,Ant International,in collaboration with Conservation International,unveiled an augmented reality(AR)experience.It was an immersive journey that connected eco-conscious tourism with real-world impact,allowing

262、participants to see the bigger picture of their choices.Through cutting-edge technology and thoughtful storytelling,we showed how brands can go beyond raising awareness to motivating action that matters.3536OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Ant InternationalSustain

263、ability Report 2024OUR SUSTAINABILITY IMPACT 37OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Risk Management CommitteeAt Ant International,we understand that well-designed and effective risk governance is critical to both business development and innovation.To that end,we esta

264、blished the Ant International Risk Management Committee(RMC)eight years ago,comprising all senior management.The RMC is responsible for setting the companys risk appetite,regularly monitoring key risk indicators,and making final decisions on significant risk matters and coordinating responses in eme

265、rgencies.It is supported by several specialised subcommittees that provide expert guidance and enhance the efficiency of implementing key decisions.Maintaining Compliance Through Technology and ExpertiseWe combine cutting-edge technology with specialised expertise to maintain effective compliance.Ou

266、r tools include AI-driven fraud detection,blockchain-based audit trails,and real-time transaction monitoring to enhance security,transparency and regulatory adherence.These tools are supported by a multidisciplinary team of Enhancing a Culture of Compliance Through TrainingOur compliance training pr

267、ogrammes equip employees from top management to frontline staff with essential knowledge across critical areas to uphold organisational integrity and legal standards.These training programmes cover key areas critical to our global operations,including:Data privacy:GDPR/CCPA compliance,secure data ha

268、ndlingAnti-money laundering(AML):Red flags,transaction monitoring,domestic and global AML standardsRegulatory updates:Sanctions,licensing,and evolving laws and regulatory reformsEthics:Integrity workshops,conflict-of-interest trainingNew technologies and products:The use of artificial intelligence,b

269、lockchain in payments and other RegTech developmentsSince 2023,in line with evolving business strategies,we have also established RMCs at the business unit level.These enable risk management decisions to be better aligned with each unit,allowing for more responsive and granular risk assessments.In a

270、ddition,we have set up RMCs at the legal entity level in accordance with local regulatory requirements.These committees have operated quarterly from the moment we obtained relevant licences,addressing all risk issues through a comprehensive risk assessment in each jurisdiction.long-term strategic ob

271、jectives and driving value creation by maintaining strategic oversight through regular review on our business progress while providing recommendation to shape our strategy formulation for major daily business decisions by management.legal,financial and technical professionals who design compliance f

272、rameworks,conduct audits and collaborate with regulators to ensure alignment with evolving standards in a complex global regulatory landscape.To close gaps and drive continuous improvement,we employed an effective feedback mechanism:regular audits assess compliance adherence,while employee surveys g

273、ather insights into gaps and challenges.Policies and related training materials undergo quarterly reviews to reflect the latest regulatory standards,keeping employees and processes aligned with current expectations.Together,these measures ensure the company maintains a dynamic,reliable and future-re

274、ady compliance strategy.Conducting ethical business through good governance and management practicesAt Ant International,compliance is more than a regulatory obligation.It is central to our mission of delivering safe,inclusive and impactful financial solutions.We recognise that maintaining complianc

275、e is an ongoing journey:By embedding it across our operations,investing in advanced technology and fostering a culture of integrity,we make compliance a core value shared by every team member,thus reaffirming our commitment to stakeholders around the world.We hold more than 45 approved payment and f

276、inancial services licenses across global markets.Central to our commitment to compliance is robust corporate governance practices;these practices are critical to executing our business strategy and driving long-term,durable value creation.Our governance framework ensures strong oversight and managem

277、ent accountability.Governance structure and board oversightAnt International adopts principles and practices that prioritise effective risk management,strong internal controls,transparent disclosure,accountability and active stakeholder engagement.We are dedicated to continuously improving these sta

278、ndards and fostering a culture of compliance and ethical governance.The Board is responsible for guiding Ant Internationals ComplianceCollaborate to Innovate Responsibly Uphold Robust Compliance Functions for Sound Business PracticesTransparency and Open CommunicationsData Security and PrivacyAnti-F

279、raudEngage and Collaborate with RegulatorsAMLKYCCompliance Principles38OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Participation in the FATF Private Sector Consultative Forum Throughout 2024,we continued to collaborate closely with key AML regulators,including the FATF,Basel

280、 Committee and Wolfsberg Group,to help develop a framework that allows conventional and innovative payment systems to co-exist and align.The goal is to enable cross-border payments that are cheaper,faster,safer,more transparent and more accessible.We shared our experience in leveraging technology fo

281、r AML effectiveness,while emphasising the importance of user friendliness,a level-playing field,and clear delineation of roles and responsibilities for all parties involved in the payment chain,regardless of banks or non-bank financial institutions.Implementing programmes to ensure adherence to regu

282、lationsWe maintain ongoing dialogue with regulators and policymakers,sharing industry best practices and ensuring our compliance measures fully align with regulatory standards and expectations.As a member of the Financial Stability Board Cross-Border Payments Legal,Regulatory and Supervisory taskfor

283、ce,Ant International plays a proactive role in fostering open publicprivate dialogues to advance G20s agenda in improving the cross-border payments landscape.To continuously strengthen compliance,we leverage AI-driven technologies to reinforce our efforts in fraud detection,blockchain-based audit tr

284、ails and real-time detection systems.Our three-layered AML monitoring approach includes:automated due diligence with intelligent customer profiling;behaviour monitoring using machine learning and graph computing to detect anomalies;and AI-enhanced workflows to streamline compliance reviews and repor

285、ting.These technologies enable proactive risk identification and ensure timely and accurate investigations,helping us stay ahead of emerging threats while upholding robust compliance standards.A Three-Layered Approach to Continually Strengthen AML Practices Automated Due DiligenceAIntelligent Custom

286、er Profiling SystemBehavior MonitoringBMachine Learning and Data-driven Abnormal Behavior DetectionCompliance ReviewCAI-Enhanced Workflow in Investigation and Reporting39OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Data Protection,Security and CybersecurityWe are honoured to

287、have our efforts recognised by five respected institutions,including International Data Corporation(IDC)and World Association for Information Technology(WAIT).Our full life-cycle integration of AI and privacy-preserving computing in risk management has also resulted in notable achievements.For examp

288、le,we have a card fraud loss rate of 2.7 bps,1/20 of the industry average of over 50 bps.Antom has received the SOC 2 Type II Certification,and WorldFirst has achieved the certification of the Payment Card Industry Data Security Standard(PCI DSS).We are also ISO/IEC 27001 certified,reaffirming our c

289、ommitment to information security,cybersecurity and privacy protection.While we take pride in these recognitions,we also remain focused on improving and serving as a trusted digital partner for all.Three Key Principles Lawfulness,Fairness and Transparency Data Minimisation and Purpose Limitation Sec

290、urity and AccountabilityThree-Dimensional Management of Data SecurityData Security Governance System:As a financial payment company with global business,Ant International strictly abides by the applicable laws and regulations worldwide,fulfilling our compliance obligations and duties of our financia

291、l licensees in many regions around the world,and builds a data security governance system that meets the characteristics of globalised business.Composite Data Security Governance:Ant International leverages its strengths to integrate strategy,management,and technology,which combines management with

292、technology,data security with business development,and internal governance with ecological linkage,so as to make the composite data security governance system effectively cope with the complex challenges of the globalised financial payment business.Data Life Cycle Security Control:We are in line wit

293、h the requirements of our global business development to build data life cycle security control,providing all-round security coverage from data classification and grading,collection,transmission,storage,usage,output,sharing and destruction.Ant InternationalSustainability Report 2024Ant International

294、Sustainability Report 2024We continue to invest in industry-leading digital technologies and dedicated teams of talents to implement high standards of data security and privacy protection.Ant International mainly offers our solutions and services to enterprises and businesses,and we minimise access

295、and collection of any personal data unless we are required by applicable laws to do so.To the extent we are required to do so,we are fully committed to safeguarding privacy with integrity and innovation,ensuring every user and partner can confidently engage,knowing their data is protected,respected

296、and used responsibly.We implement robust governance to ensure proper controls and oversight over our use of data and technology.Data security and privacy policy are reviewed and updated as needed,and the enhanced safety measures are prioritised by implementing comprehensive lifecycle protection for

297、sensitive data,leveraging a multi-layered security architecture.Cybersecurity is an integral part of our overall enterprise risk management programme.A robust programme to protect our network from cyber and information security threats is critical to managing risk effectively.Our network and platfor

298、ms incorporate multiple layers of protection,providing greater resiliency and security protection.Our programmes are assessed by third parties,and incorporate benchmarking and other data from peer companies and consultants.40OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Ant In

299、ternationalSustainability Report 2024Risk Tech Wins WDTA AI STR-02 CertificationStrengthening ecosystem resilience through responsible technology solutions and open collaborationWe strive to strengthen digital trust in our digital ecosystem using a twofold approach:by leveraging innovative technolog

300、ies and by collaborating with our partners to strengthen our ecosystem resilience.As we innovate and expand the range of our digital solutions,we continually dedicate resources to ensure that these solutions are trustworthy,secure and ethical.Recognising digital trust as a shared responsibility,we a

301、lso actively collaborate with our partners to co-create a resilient digital ecosystem.Today,digital technologies have revolutionised communication,business and culture.Given the increasingly prevalent role of technology in our lives,a healthier and more resilient digital ecosystem benefits everyone.

302、Our approach to strengthening digital trust is undergirded by our approach to responsible technological innovations.While we reap the benefits of technology,we also aim to address the inevitable challenges that have arisen,such as privacy concerns and emerging AI risks.AI technology underpins many o

303、f our products and solutions,enabling us to enhance security,improve service efficiency and manage risk at scale.We apply advanced AI to detect and prevent fraud,assess credit risk,forecast transaction volumes and support intelligent customer service and marketingcontributing to safer,more seamless

304、digital experiences for users and merchants.TrustCollaborate to Innovate Responsibly Strengthen Digital Trust Through Responsible Innovation We also integrate state-of-the-art technologies into our offerings,including anti-deepfake tools,e-KYC solutions and AIGC detection systems.These technologies

305、help merchants access digital payment solutions that are efficient and held to the highest security and trust standards.AlipayHK e-wallet,widely accepted by local merchants in Hong Kong,integrated Ant Internationals Risk S.H.I.E.L.D.solution and became one of the first global tech operators to secur

306、e the Large Language Model Security Certification accreditation.This demonstrated the effectiveness on AI governance and risk management capabilities enhanced through our risk solutions.By integrating our Risk S.H.I.E.L.D.solution,AlipayHK ensures that:24/7 real-time risk detection and secures trans

307、actions using AI-powered systems to identify deepfake content and other threatsThe system conducts over 500,000 daily assessments,using advanced technologies to block attacks such as data leaks and model poisoning WDTA,a non-governmental organisation operating under the UN framework,issues The LLM S

308、ecurity Certification as part of its AI Safety,Trust,and Responsibility(AI STR)series of standards.41OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Ant InternationalSustainability Report 2024EasySafePay:Simplifying and Securing E-Wallet TransactionsEasySafePay delivers credit c

309、ard-level protection through advanced AI-driven risk modelling and offers full reimbursement for losses caused by account takeover or fraud.It is a unique solution with this level of assurance.Optimised for fast,secure digital wallet payments,EasySafePay reduces drop-offs from redirection errors and

310、 long load times,boosting conversion rates by over 10 percentage points(pp).It helps businesses,especially SMEs,to simplify transactions and reinforces credibility,reducing drop-offs to retain customers and ultimately drive higher sales.Antom Shield:Advance AI for Risk Mitigation and Fraud Preventio

311、nAntom Shield offers advanced fraud protection with industry-leading detection capabilities.It identifies deepfakes with over 99%accuracy to prevent identity fraud in KYC and transactions.Liveness checks(99%accuracy)prevent spoofing with photos or videos,while over 95%injection detection stops data

312、manipulation and payment authentication bypass attempts.These real-time defences reduce fraud,cut false positives and secure digital growth for merchants.42OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Ant InternationalSustainability Report 2024Building public-private partners

313、hip on digital trustGiven ever-present financial fraud risks,we proactively engage our partners through risk management sessions.We also support research efforts that strengthen digital trust and make AI more reliable,such as the development of privacy enhancing technologies(PETs).Ant International-

314、NTU PET Joint Research Lab to Advance Digital TrustAnt International has partnered with the Nanyang Technological University(NTU)Singapores Digital Trust Centre,a cross-sector collaboration,to advance PETs and strengthen digital trust in AI systems.This five-year collaboration,focuses on secured dat

315、a sharing and machine learning using privacy technologies like zero-knowledge proofs and federated learning.By using real-world cases,the partnership aims to enhance data privacy and minimise risks in AI applications across the region.Ceremony graced by Senior Minister of State for Digital Developme

316、nt and Information,Tan Kiat How Contributing to the Privacy-Enhancing Technology Sandbox by IMDAIn collaboration with IMDA,we explored how to preserve the privacy of customer data.Through a combination of Federated Learning(FL),Multi-Party Computation(MPC)and Homomorphic Encryption(HE),Ant Internati

317、onal and a selected e-wallet partner will be able to identify their common customers,while protecting the underlying personal data.At the same time,their data continues to reside in their own environment while co-training the prediction model.Made available on our open-source PET platform,our PET so

318、lutions and models enable digital wallets and retailers to increase customer engagement while not compromising on customer privacy.We foster collaborative relationships with our partners to co-create a strong and open tech ecosystem.“At Ant International,we strive to embed intelligent risk managemen

319、t into every innovation by building digital trust through AI-driven safeguards that protect users,support compliance,and enable inclusive and secure financial growth for all businesses worldwide.”Jiang-Ming YangChief Innovation OfficerAnt InternationalAI Trailblazers Transformation AwardTransformati

320、on Award(2024)“AI Trailblazers programme is Singapores first Generative AI Innovation Sandboxes established to accelerate the development of generative AI solutions that address organisations real-world challenges.43OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 2024Ant Internation

321、alSustainability Report 2024Embracing Inclusive Hiring Practices Our Digital Business Centre in Malaysia has welcomed nearly 600 new hires representing nine nationalities across diverse backgrounds,cultures and ethnicities.90%of the hires are local professionals.By collaborating with local universit

322、ies,we hired more than 100 fresh graduates,and are targeting additional 100 hires in 2025.Working with partners like the Malaysia Digital Economy Corporation,we identify new opportunities to attract a diverse talent pool and advance the fintech industry in Malaysia.Development Programmes for Employe

323、es at All Stages For newcomers,the journey begins with“HI NEW”,an immersive orientation that introduces Ant Internationals history,culture,and business vision.This evolves into a year-long newcomer journey,with milestones like mentorship,skill-building workshops,and celebrations,marking their integr

324、ation into the organisation.Fresh graduates,meanwhile,dive into the YouthTech Program,where senior tech leaders mentor them through hands-on projects,including creating a mini“Alipay”prototype.This mentorship and practical-innovation blend accelerate their transition from academia to industry,nurtur

325、ing the next generation of engineers.Leadership development is equally planned.Guided by the principle of inclusive leadership,our Future Leadership Academy(FLA)identifies high-potential talent and equips them with the strategic foresight needed to lead global and diverse teams.We are devoted to pro

326、moting equitable representation across our global workforce.Our workforce gender composition stands at 40%female and 60%male.Women comprise 37.5%of our senior leadership team,reflecting our commitment to gender balance at all levels.We are growing locally,with 64%of our employees hired from the comm

327、unities that we operate in,fostering deeper local cultural and community connections.With 40 nationalities across 25 markets,our diverse workforce represents the communities we serve,thereby fostering cross-cultural innovation.Our commitment to inclusive hiring brings us diverse talent as we keep ex

328、panding our multicultural team.Diversity and inclusion drive our innovation and growth.Ant International is committed to fostering a diverse and inclusive workplace that reflects the diversity of the markets and communities it serves.We are creating a workplace of the futurewhere sustainability meet

329、s inclusion.Diversity at work:empowering global talent,embracing every voiceOur workplace culture:building trust through inclusionAn inclusive workforce extends beyond formal policies;it is embedded in daily interactions,recognition and respect for cultural nuances.At Ant International,we cultivate

330、this environment through transparency,celebration,and adaptability.Diversity&InclusionCollaborate to Innovate Responsibly Cultivate an Inclusive Workplace for a Diverse TeamOpen dialogue serves as a foundational element of our approach.Annual Employee Engagement Surveys and 360 Leadership Assessment

331、s provide valuable insights into workplace sentiment,while regular townhalls and cross-level roundtable discussions ensure transparency,fostering trust and aligns teams with organisational objectives.Our comprehensive employee recognition framework celebrates excellence at every levelfrom project te

332、am achievement to individual contribution and career milestone celebrations.Best CHUANG,Ant Internationals premier award,celebrates the extraordinary innovation and achievements of project teams;The Golden Voyager Award,our highest honour for Business Development teams,acknowledges those individuals

333、 and teams who exceed targets and exemplify tenacity.44OUR SUSTAINABILITY IMPACT Ant InternationalSustainability Report 20242024 Golden Voyager AwardIn 2024,19 teams and 157 individuals competed for this accolade,motivating over 300 colleagues to embrace accountability and pursue success.At Ant International,we have a unique way of recognising employee tenure,from one-year anniversary,three-year a